October 20, 2025

Legal Analysis Of The Establishment Of The Consumer Dispute Implementing Agency On Unauthorized Transactions (Phishing) In Regulation No. 16 / Rev.Sus-BPSK / 2025 / PN Mdn

Key Points

Phishing transactions are deemed illegal and null and void under civil law, impacting consumer rights.
Decisions by the consumer dispute resolution agency (BPSK) often face overturns in district court due to authority issues.
The lack of sufficient evidence presented at BPSK significantly contributes to decision cancellations.
The study employs a normative legal approach, offering insights into the resolving authority of BPSK in unauthorized transactions.

Abstract

The increasing phenomenon of digital crimes such as phishing raises new problems in legal protection for consumers. One of the available dispute resolution mechanisms is through the Consumer Dispute Resolution Agency (BPSK). However, in practice, BPSK decisions are often canceled by the district court because it is considered to exceed the authority or lack of evidence. This study aims to analyze the legality of unauthorized transactions in the perspective of civil law, as well as review the legal basis for the cancellation of BPSK decision by the Medan District Court in case No. 16 / Rev.Sus-BPSK / 2025 / PN Mdn. This study uses a normative approach with qualitative methods. The results of the analysis show that transactions that occur due to phishing are classified as illegal acts and qualify as null and void. However, the weakness of evidence in BPSK became the main reason for the cancellation of the decision

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